Providing the Best to REALTORS®
The superior coverage of the Homeowner's Policy of Title Insurance, backed by the nation's
best title insurer, provides outstanding benefits to REALTORS® as well. Here's how:

Increases the client's satisfaction and confidence by providing the finest protection available.

Helps ensure the client's ability to resell the home in the future, free of potentially damaging title problems.

Gives the REALTOR® and client peace of mind in the increasingly complex world of real estate.

Informing clients about premium title insurance such as the Homeowner's Policy makes good
business sense. With superior title coverage issued through and by a reputable title insurer,
REALTORS® and clients benefit from two critical layers of protection.

Providing the Best to Homeowners
Homeowners depend upon the strength and stability of a reputable title insurer to back their
policies for years to come. Fidelity National Title has a long and proud history of providing homeowners
with the most innovative title and escrow products in the industry.

With Fidelity National Title, homeowners can enjoy peace of mind knowing they are insured by one of
the industry's premier title insurers. And with the Homeowner's Policy, they'll enjoy even
more peace of mind knowing they have the best title policy available.

Superior All-Inclusive Benefits from the Homeowner's Policy
This superior policy gives your clients the most thorough and comprehensive coverage
available in the industry.

The new Homeowner's Policy includes the following basic coverage:

False impersonation of the true owner of the property

Forged deeds, releases or wills

Undisclosed or missing heirs

Instruments executed under invalid or expired power of attorney

Mistakes in recording legal documents

Misinterpretation of wills

Deeds by minors

Deeds by persons supposedly single, but in fact married

Liens for unpaid estate, inheritance, income or gift taxes

Fraud

The Homeowner's Policy also Provides the Following Additional Benefits

Pre and Post Policy Protections: The Homeowner's Policy coverage protects
homeowners against claims arising both before and after the policy date. The homeowner
is covered if someone else has an interest in or claims to have rights affecting the title,
or the title is defective. Post-policy protection also includes coverage for forgery,
impersonation, easements, use limitations and structural encroachments built by neighbors
(except for boundary walls or fences) after the policy date.

Expanded Access Coverage: The Homeowner's Policy provides homeowners with
expanded access protection for right of access to and from the property. Traditional
title policies do not define the type of access a homeowner has to the property, but
the Homeowner's Policy specifically insures both actual pedestrian and vehicular access,
based upon a legal right.

Restrictive Covenant Violations: The Homeowner's Policy protects homeowners
against the loss of title to property because of a violation of a restrictive covenant
that occurred before the insured acquired title.

Building Permit Violations: The Homeowner's Policy covers homeowners if they
must remove or remedy an existing structure (except for boundary walls and fences) because
it was built without a building permit from the proper government office. This coverage is
subject to deductible amounts and maximum limits of liability.

Subdivision Law Violations: The Homeowner's Policy protects homeowners if they
can't sell the property or get a building permit because of a violation of an existing
subdivision law. Homeowners are also protected if they are forced to correct or remove
the violation. This coverage is subject to a policy deductible and maximum limits of
liability.

Zoning Law Violations: The Homeowner's Policy protects homeowners if they must
remove or remedy existing zoning laws or regulations (subject to the policy deductible and
maximum limit of liability). Homeowners are also protected if they can't use the land for a
single-family residence due to the way the land is zoned.

Encroachment Protections: Covers homeowners if forced to remove an existing
structure because it encroaches on a neighbor's land (coverage for encroachments of
boundary walls or fences is subject to policy deductible and maximum limit of liability).
Covers homeowners when someone else has a legal right to, and does, refuse to perform a
contract to purchase the homeowner's land, lease it or make a mortgage loan on it because a
neighbor's existing structures encroach onto the land.

Water and Mineral Rights Damage: The Homeowner's Policy provides coverage if a
homeowner's existing improvements, including lawns, shrubbery and trees, are damaged because
someone exercised a right to use the surface of the land for the extraction of minerals or
water.

Supplemental Tax Lien: The Homeowner's Policy protects homeowners if a supplemental
tax lien is filed and assessed against the property because of new construction or a change
of ownership prior to the policy date.

Map Inconsistencies: The Homeowner's Policy provides coverage if the map attached
to the homeowner's policy does not show the correct location of the land, according to public
records.

Continuous Coverage: The Homeowner's Policy covers homeowners forever, even if
they no longer have the title. The policy insures anyone who inherits the title because
of the homeowner's death and the spouse who receives the title after a dissolution of
marriage. The Homeowner's Policy also allows homeowners to transfer title to their home
into a trust after the policy date and receive uninterrupted coverage, at no extra cost.

Value-Added Protection: Traditional title policies don't increase their coverage
as the value of a home increases. Not so with the Homeowner's Policy. The policy amount
automatically increases by ten percent per year for five years, up to 150% over the original
policy amount. This automatic increase in coverage is included at no extra cost.

How to Offer Homeowner's Policy Coverage
Your Fidelity National Title Representatives can provide you and your clients with information about
the Homeowner's Policy coverage in simple, easy-to-understand language. Your representative
is also available to meet with your clients personally to explain the Homeowner's Policy or
any other product we offer. Simply request the Homeowner's Policy Coverage for your
client when opening an escrow. It's that easy!

Title Policy Coverage Comparison
Protect yourself as a REALTOR® while protecting your clients with superior title insurance
coverage. Call your local Fidelity National Title Representative for more details or specific policy
language pertaining to the Homeowner's Policy of Title Insurance. This coverage has certain
limitations and exclusions that apply. This policy has been adopted by both the CLTA and ALTA.

Coverage Item

CLTA Standard Coverage

ALTA Residential (Plain Language)

New Homeowner's Policy

Post Policy Forgery Protection

No

No

Yes

Enhanced Access Coverage

No

No

Yes

Building Permit Violations

No

No

Yes

Subdivision Map Act Coverage

No

No

Yes

Restrictive Covenant Violations

No

No

Yes

Mineral Extraction Coverage

No

No

Yes

Map Inconsistencies Coverage

No

No

Yes

Coverage Extended to Living Trusts

No

No

Yes

Enhanced Encroachment Coverage

No

No

Yes

Automatic Inflation Protection (5 years)

No

No

Yes

Protect yourself as a REALTORS® while protecting your clients with superior title insurance
coverage. Call your local Fidelity National Title Representative for more details or specific policy
language pertaining to the Homeowner's Policy of Title Insurance.

*The statements made on this web page and any page that follows within the Fidelity National Title website are not intended, and shall not be construed to expressly or impliedly issue or deliver any form of written guaranty, affirmation, indemnification, or certification of any fact, insurance coverage or conclusion of law.

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